Is Keeping Separate Banking Accounts Preparing For Divorce?

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I have always handled all the money and financial decisions, sort of like disney steve. Everything we have is in joint accounts. However, we had over the fdic insured limit in one bank in order to get a great rate. So, I took part of that money and opened an acount in my name only, but it said payable on death to dh. I told him after 31 years of marriage, he would just have to trust me!!